Social Life Insurance for dependent workers of public law institutes (ASV)

Staff registered with the Social Life Insurance for at least five years and who are entitled to a pension when leaving their service may voluntarily continue the policy by submitting the claim within one month of the retirement date.

The contribution is calculated on the total sum of personal benefits to which the pensioner is a beneficiary (0.12% of the yearly gross amount).

Since 2013, INPS has applied an annual deduction from the September instalment of the highest direct pension.

Claims for voluntary continuation may also be submitted by:

• holders of direct pensions paid by pension institutions and schemes other than INPS;
• terminated workers not yet retired and holders of extraordinary income support allowance bridging to pension (recipients of benefits bridging to pension).

The above-mentioned persons must continue to pay the contribution:

• by 30 September each year;
• by means of F24 form, using the reason code P810 provided for active workers (in the manner in use until 31 December 2012).

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The average month’s payment is obtained by dividing, by twelve, the sum of the gross earnings (payment or pension) received by the policy holder during the twelve months preceding the date of death. This includes any additional month’s payments and other allowances.

The allowance is not subject to revenue withholding tax and is paid by crediting the beneficiary’s bank or postal account.

WITHDRAWAL OF BENEFIT

Non-payment of the contribution by 20 October (20 days of the deadline
of 30 September of each year) by individuals choosing to continue making
payments through F24, entails (pursuant to Article 1924, paragraph 2 of the Italian Civil Code):

• forfeiture of registration with the Social Life Insurance with effect from 1 January of the following year;
• loss of entitlement to benefits with effect from 1 January of the following year.

Holders with voluntary continuation and with an annual pension deduction who intend to renounce the benefit, must send the claim to interrupt (waive). They can do so exclusively online at INPS, through the dedicated service, by 31 December (effective from 1 January of the following year).

The claim for payment of the benefit must be submitted within one year from the date of death, otherwise the entitlement will be lost.

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In the absence of a surviving spouse, the benefit is due to the following in order:

• children, natural, fostered or adopted, and dependent stepchildren who are single or unmarried, minors, or permanently unable to work.
  Children who are high school students up to the age of 21, and university students legally undertaking a course of studies who are under the age of 26, are also eligible;
• in the absence of children, the benefit will be due to dependent cohabiting parents,  who are unable to work or who are older than the pension age.
  In order to be considered as a dependant of the policy holder, they must not have an income exceeding the limit established for the purposes of entitlement to family allowances (in the event that both parents are still alive, the requirement will take both incomes into consideration);
• in the absence of parents, the benefit is due to siblings who are single or unmarried, minors, or permanently unable to work.

In addition to these individuals, in the absence of a surviving spouse, the following may also apply:

• the guardian for minor children dependent on the deceased policy holder;
• those who bore the funeral costs (if they had no dependent family members at the time of death).

Useful documentation

• INPS circular No. 145 of 19 December 2012
• INPS circular No. 42 of 21 March 2013
• INPS circular No. 70 of 30 April 2013
• INPS circular No. 104 of 12 September 2014

HOW CAN I CLAIM?

The claim must be submitted to INPS online by using the dedicated service.

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The table shows the deadlines exceeding thirty days, set by the Institute with a Regulation.

In addition to the terms for the issuance of the decision, the table also indicates the relevant manager.

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